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Comunidades

Los Angeles, CA · Charter 24604

Q2 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Comunidades

Los Angeles, CA · Charter 24604

Q2 2009

$704KAssets
$234KLoans
$687KShares
$2KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -10.37%, down 756 bps year over year; NIM at 5.53%.
  • Asset quality: problem loans at 14.00% of loans (+382 bps YoY).
  • Capital: net worth / assets of 0.31%, down 528 bps from a year ago.
  • Funding: loans stand at 34.03% of shares as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-10.37%-756 bps YoY

Net Interest Margin (YTD, annualized)

5.53%+80 bps YoY

Efficiency Ratio (YTD, annualized)

160.07%+2,632 bps YoY

Net Worth / Assets

0.31%-528 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-2.80%-3.01%-4.16%-18.97%-10.37%-756 bps
Return on Equity-50.17%-61.61%-106.61%-14881%-3393%-334,267 bps
Net Interest Margin4.73%4.63%4.86%4.74%5.53%+80 bps
Efficiency Ratio133.75%143.72%145.01%n/a160.07%+2,632 bps
Growth
Asset Growth (YoY)-17.60%-16.51%-17.68%-30.29%-38.42%-2,081 bps
Loan Growth (YoY)-26.26%-30.93%-26.65%-32.42%-37.35%-1,109 bps
Share Growth (YoY)-14.19%-15.55%-15.40%-26.33%-35.78%-2,158 bps
Asset Quality
Delinquent Loans / Loans10.18%10.08%10.01%7.19%14.00%+382 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.92%5.93%7.34%9.70%9.66%+374 bps
Capital
Risk-Based Capital5.58%4.88%3.90%0.13%0.31%-528 bps
Net Worth / Assets5.58%4.88%3.90%0.13%0.31%-528 bps
Liquidity & Funding
Loans / Shares34.88%33.30%35.86%35.19%34.03%-85 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps